Capitalism - Credit Motivates Over Production

Capitalism is different from other systems in that it is able to adapt. And one of the ways that it does this is with the introduction of credit. It makes sense, because now you can borrow money and open up ab whereas without credit, you couldn't have opened up that business cause you didn't have money. But as luxembourg shows, really going back to marks himself, is that credit doesn't actually improve the situation. It actually accelerates crises and accelerates the possible final collapse.